Step 1: Log in to the Vfficient ESS at If you do not have an account Register for one.

Step 2: Once logged in, look for the ZayZoon (Pay Advance) link on the left hand side of the screen.

Step 3: Complete your proifile details. You will need a Government Issued Photo ID to finish setting up your ZayZoon account.

Step 4: In order to get access to a portion of your earned wages before payday, you will need to set up a Wallet, which is a way for ZayZoon to send you money. There are multiple wallet options but the best instant methods are the Vensure Wages On-Demand card and/or a debit card.

Step 5: To set up your Vensure Wages On-Demand Card, click on Add Wallet. The Vensure card is the first option. When you click on the Vensure wallet, enter the Account Number from your card welcome package. The Account number is NOT your card number but can be found just below the card number on the piece of paper the card is attached to.

Step 6: Once you submit your account number, it will take 30 minutes for your card to get associated with your employee profile. 30 minutes after you submit the account number, you must call the 1-888 number on your card to activate the card. You will not be able to use money sent to the card unless it is activated.

This seems like a lot of steps but once your account is set up you will be able to access your funds. If you need any help just reach out to our support team through the live chat.


Early Access to Wages

Access $200 at a time for a $5 flat fee to avoid overdraft fees, late bill payments or to cover a cash flow shortfall between paydays. Get paid when you need.

Secure and Easy to use

No credit check, under one minute to sign up, and all made possible by a trusted integration with Vensure Employer Services.

Incredible Support

We maintain a live-chat response time of five minutes.

Instant Access to Funds

Activate your Vensure Wages On-Demand Card for instant access to earned wages.

More Questions?

  • Isn't this just a payday loan?

    No. ZayZoon does not charge interest and does not place debt on you. ZayZoon simply provides employees access to their earned wages early.

  • How much does it cost?

    ZayZoon charges a flat fee of $5 to access up to $200 of your earned wages at a time.

  • How long does it take to receive money?

    When you set up your account, there are a few different ways for us to send you money. Using your Vensure Wages On-Demand Card or a debit card,  funds can be transferred in near real-time 24/7/365. If you choose the bank account direct deposit option, it can take 1-2 days.

  • How do i pay ZayZoon back?

    The amount of your advance plus the fee is automatically deducted from your next paycheck.

  • How long does it take to set up my account and access funds?

    It takes minutes to set up your account. Adding your Vensure Wages On-Demand card will take a bit longer but this is something you only need to do the first time you set it up. After that you can get access to available funds in seconds.

  • Is my information safe?

    We make security a priority at ZayZoon. Our website uses 256-bit encryption to protect the privacy and security of your information. The same security your online banking offers you.

  • What if I took money by accident?

    Mistakes happen! Maybe you got excited with how simple the process to access your money was and accidentally clicked submit? No worries. Contact our support staff and we can work on reversing the advance.


Are you an Employer Looking to Offer ZayZoon to Your Employees? Send us your info and we will be in touch!